Got a quick question: Has anyone ever used an online mortgage site like Lending Tree/Lower My Bills? Thanks in advance for any answer or 2. Another question... FYI. I just logged onto my FCNB Mastercard account and the following message appeared in a Pop-Up box, I assume written notices are being sent as well..

Does anyone know how this will read on my CR? Will closing it myself look any better?.

NOTICE OF TERMINATION OF CHARGING PRIVILEGES.

YOU ARE HEREBY NOTIFIED that the charging privileges on your First Consumers National Bank (FCNB) MasterCard or VISA credit card account ("Account") shall be terminated effective March 7, 2003. Federal law and the cancellation provisions of your FCNB Credit Card Account Agreement authorize FCNB to refuse to allow further Purchase or Cash Advance transactions on your credit card account without prior notice. However, FCNB is providing you with prior notice of this termination of charging privileges on your Account so you may avoid any inconvenience associated with the termination. FCNB is terminating the credit privileges of all of it's MasterCard card and VISA card accounts for business reasons, and this action has not resulted from your individual credit behavior..

This Notice of Termination of Charging Privileges does not in any way change, amend, add to or delete any term or part of your FCNB Credit Card Account Agreement ("Agreement"), and the Agreement remains in full force and effect. Accordingly, YOU MUST CONTINUE TO REPAY ANY AMOUNTS BORROWED ON YOUR ACCOUNT AS REQUIRED BY THE AGREEMENT..

HOW YOU CAN AVOID PROBLEMS ASSOCIATED WITH THIS TERMINATION.

Starting on March 7, 2003, you will no longer be able to use your Account or your FCNB MasterCard card or VISA card for Purchases and Cash Advances of any kind, and any attempt to use your Account or your FCNB MasterCard card or VISA card on or after that date will be refused. On that date, March 7, FCNB will stop authorizing all Purchases and Cash Advances, including but not limited to Access Checks, Balance Transfers, cash or cash equivalent obtained over the counter or through participating ATM networks, recurring charges by third parties, and transactions over the Internet or by telephone or by any other means..

If you have authorized third parties to make recurring charges of any kind to your Account, you should immediately instruct them to discontinue charging your Account on or after March 7, 2003..

Any Access Checks presented for posting to your Account on or after March 7, 2003, will not be honored and will be returned unpaid. If you have Access Checks from FCNB for use with your Account, we recommend that you not use them and destroy them in order to avoid the risk that they will be dishonored and returned to the payee..

If you have authorized another person to use your Account, you should immediately notify that person that FCNB will stop authorizing all Purchases and Cash Advances by any authorized users of your Account starting on March 7, 2003..

If your Account has a balance due, you will continue to receive monthly billing statements, and you must continue making payments in accordance with the terms of your FCNB Credit Card Account Agreement at the address shown on your billing statements...